After doing research on line about debt settlement, I contacted one that I had found American Financial, and I contacted them to discuss my situation. I did a lot of "homework" on this before I enrolled. After my initial call and discussion with them, I found them to be very helpful and compassionate. The entire program was explained to me, all the paperwork was sent and completed. Through this entire process everyone at American Financial (now People's Financial) were very helpful in answering all my questions and concerns. The arrangements that were made were done with professionalism. There was at no time any pressure to participate. I was always kept fully aware of what was going on. I now through their help am debt free. People using this service should do all their "homework" check companies out though the Better Business Service" and other methods before entering into any contract.